An Analysis on Islamic Insurance Participation

Hanudin Amin


The paper tests the effects of attitude, subjective norm and amount of information on the Islamic insurance participation. Drawing upon the theory of reasoned action (TRA), this study proposes a model to examine the factors within the Islamic insurance participation context. The model is tested using survey data from 206 respondents. Importantly, the results suggest that attitude, subjective norm and amount of information provide the best fit to the data and are of value to be considered as the indispensable factors in determining the Islamic insurance participation. The findings of this study shed some light on the consumers’ acceptance level of an Islamic insurance. It also provides valuable insights for takaful operators to manage the Islamic insurance services effectively. Limitations and future research directions are outlined.
Kajian ini menilai kesan gelagat, norma subjektif dan jumlah maklumat terhadap penyertaan insurans Islam. Berpandukan kepada teori tindakan beralasan, kajian ini mengemukakan satu model yang menguji faktor-faktor dalam konteks penyertaan insurans Islam. Model ini dinilai berpandukan kepada data dari kaji selidik yang melibatkan 206 responden. Mustahaknya, dapatan kajian ini menunjukkan bahawa gelagat, norma subjektif dan jumlah maklumat menyediakan padanan terbaik bagi data dan penting untuk dipertimbangkan sebagai faktor terpenting dalam menentukan hasrat menyertai insurans Islam. Dapatan kajian ini memperincikan tahap penerimaan pengguna terhadap insurans Islam. Ia juga menyediakan pengetahuan bernilai kepada pengendali-pengendali takaful dalam mengurus perkhidmatan-perkhidmatan insurans Islam dengan efektif. Kekangan dan hala tuju penyelidikan masa depan turut diperincikan.

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